It's your own fault if you keep that much money in there. PayPal is not a bank account. If you need to pay with paypal, you can always transfer out of your bank account..
The question is, are those locked Paypal accounts free of "sin"? If so, please cast the first stone to let me know because I have not seen a single case in which people complaining mention there is "something" more behind issues they are having with Paypal. Though I'm aware many user are being locked with no reason at all.
i been withdrawing with my paypal debit the second i have money in the account.. thats how scared i'm